Senior Credit Advisor

Attendance

Hybrid

Job number

30478

Category

Senior Professional

Status: Permanent

Type of Contract

Permanent

Schedule: Full-Time

Full Time / Part Time?

Full-Time

Posting date

21-Jan-2026

Area(s) of interest: Risk management

Location(s): Montreal

As a Senior Advisor in the Credit Quality and Governance team at National Bank, you’ll be acting as a retail credit expert by carrying out analyses and concrete recommendations in order to improve quality and support the decision-making. With your analytical skills, your experience in continuous improvement and your knowledge of retail credit, you’ll have a positive impact on the credit risk management.

Your role:

Validate that the Bank’s risk appetite and credit standards for retail financing are respected (mainly residential financing).
Identify the key risks of the retail credit files regarding credit analysis and submission.
Analyze data following quality assurance validations and present key findings and trends.
Make concrete recommendations to improve the quality of retail credit files, evolve risk management and support your partners in their decision making.
Act as an expert for your partners by offering them support related to the interpretation of credit standards.
Make credit standards evolve based on the economic context, appetite framework and regulatory environment.
Participate in meetings and committees to share your findings and influence your partners to take ownership of their risk management.
Identify opportunities for improvement and take action.

Your team:

As part of the Credit Quality and Governance sector, you’ll be in a team of 35 colleagues, and you’ll report to the Credit Quality and Governance Director. Our team stands out for its expertise in retail and SME credit, its motivation, its autonomy and its open-mindedness.

We offer a wide range of ongoing learning opportunities for your development, including hands-on learning, participation in different projects and collaborating with colleagues who have varied expertise and profiles.

Prerequisites:

University degree related to the industry and 5 years of relevant experience, or any combination of training and experience deemed equivalent.
Experience in retail credit and knowledge of the mortgage broker environment.
Strong analytical skills combined with a rigorous approach to solving complex problems.
Strong organizational, leadership and project management skills.
Ability to innovate and influence.
Agility, proactivity and excellent ability to articulate and draught complex concepts clearly and persuasively at all management levels, in English and French.
Curiosity, autonomy and discipline.

Languages:

English, French

Reason to require this language: you will need to discuss frequently with our service providers or partners who speak a language other than French.

Skills

Artificial Intelligence Diversity & Inclusion Home Equity Lines of Credit Quality Assurance Risk Analysis Teamwork Cybersecurity Empathy Initiative Learning Agility Resiliency Governance Risk

Your benefits

In addition to competitive compensation, upon hiring you’ll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family.

* Health and wellness program, including many options

* Flexible group insurance

* Generous pension plan

* Employee Share Ownership Plan

* Employee and Family Assistance Program

* Preferential banking services

* Opportunities to get involved in community initiatives

* Telemedicine service

* Virtual sleep clinic

These are a few of the benefits available to you. We have an offer that keeps up with trends as well as your needs and those of your family. 

Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We actively listen to employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication is encouraged.

We're putting people first

We're a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people.   Our mission is to have a positive impact on peoples' lives. Our core values of partnership, agility, and empowerment inspire us, and inclusivity is central to our commitments. We offer a barrier-free workplace that is accessible to all employees. 

We want our recruitment process to be fully accessible. If you require accommodation, feel free to let us know during your first conversations with us. We welcome all candidates! What can you bring to our team?

Come live your ambitions with us!

Apply

For an environment that supports your career path

There are many varied opportunities for you to progress and develop, and move ahead in your career. This includes on-the-job learning and training, co-development and pairing with other employees, professional support and mentoring, internal career days or discussion forums with our leaders.

For an inclusive and diverse environment

We foster inclusion in an environment where each person’s unique qualities, whether visible or invisible, are celebrated and valued. We welcome all candidates! What can you bring to our team?